Hsbc

[lateralus]

chipper99, i'll send you a copy of my particulars to use as an example -

also = this thread is brill: Getting MCOL Right

[chipper99]

Many thanks Lateralus, very much appreciated.

[chipper99]

Hi all.

 

I have done all the paperwork and decided to launch my claim in person at court rather than MCOL. I am claiming £2485 in total, including sat. interest. So tomorrow its a trip to court to get it sorted.

 

Fingers crossed!!!

 

Chipper.

[givememymoney]

You'll be fine make sure to include your schedule of charges

[chipper99]

Cheers. They are all printed out and ready to go in.

[chipper99]

Papers filed today. Here we go!!!

N1 form submitted with schedule of chatges and interest. Now the real wait begins.

[chipper99]

I received the letter from the court today. Claim sent to HSBC 3/5/07 and date of issue 7/5/07. They have until 21/5/07. Another wait begins.

[lateralus]

don't forget - when you get the acknowledgment - send dg a copy of the breakdown - their addy will be on page 2.

[chipper99]

Will do. Thank you.

[chipper99]

I got the acknowledgement today saying that HSBC intend to defend all of the claim and the address for DG but no contact name. If im right, I think I now send them a copy of the POC and schedule of charges and interest??? Can anyone confirm this? Also do I add the interest on the new schedule up to todays date?

Also there is no contact name but a reference of KVE / RT. I think I recall on a thread that this refers to a couple of solicitors.

Now Im really getting excited. I dont understand why they do this when it will just cost them more money.

 

Cheers, Darren.

[chipper99]

Also, any particular way to word the letter I send with POC and breakdown??

[lateralus]

This would be fine.

 

 

 

Date

 

DG Solicitors

xxxx

xxxx

xxxx

 

RE: Claim number xxxxxxxxx

xxxxxxxxxxx -vs- HSBC Bank, PLC

 

Dear Kate Eaves and Rachel Thomlinson

 

Please find enclosed a copy of my Schedule of Charges to be attached to my claim.

 

Please note that the sum I am seeking is xxxx.xx (£xxxx.xx charges, xxx.xx 8% interest and £120.00 court fee) plus xx pence per day from the date claimed until this is resolved.

 

Sincerely

 

 

xxxxxxxxx

[chipper99]

Thanks for that. I thought that was more or less it. Posting it off today and the waiting starts again.

[chipper99]

One other thing. How will the decision this week in favour of Lloyds TSB affect claims going through the system now? I only just heard about it as I was away for a few days last week.

[pinkduchess]

not sure if you've already caught up on the reading on here - if not here goes

 

Lloyds victory in Birmingham - in perspective

Lloyds "Victory" - A View of the Judgement

We need your help folks! Re old T&Cs

[Celicaman]

One other thing. How will the decision this week in favour of Lloyds TSB affect claims going through the system now? I only just heard about it as I was away for a few days last week.

 

Hi, Basically CAG are saying 'business as usual' except to make double sure you have all the correct info,IE dotting the t's & crossing the eyes and the one thing that everybody is busy with at the moment that incudes ripping up carpets, having trips to the loft and garden sheds, all looking for old T & Cs ( terms and conditions) as it seems this is where the case fell apart as the judge only read the current T & C's online which have all changed last couple years, to cover up the unlawfull penalties. So if you have any .................. dig em up.

Read the threads, theres loads on it and at first it seemed bad but when you read up on it, but it may be a good thing as its making us tighten up on our claims.

Try & find a copy of the T & C's from when you opened your account or as far back as you can find.

Do search on T & C for hsbc & follow threads, somebody, somewhere has copies

Good luck

CM

[Castlebest]

As with so many things in life the unexpected jumps up and bites your bum.

The Lloyds result was the culmination of a series of unrelated events being put together by a totally peed off District Judge trying to do his job for once instead of sitting waiting for letters saying claims have been settled.

Firstly its inadmissible as evidence because its a small claims court.

Secondly if it was admissible it would be a very brave solicitor who used it without the result of the appeal which will have all of the evidence available.

As Celica says business as usual.

pete

[chipper99]

Thanks Pete,

It left me twitching a little when I heard about it and did some reading. One thing I dont understand is how the judge ruled in their favour when no defence turned up. Surely that goes against the small claims system.

 

Darren.

[lateralus]

you would think so...

i think the judge wanted a little publicity or wanted to stir things up. he took his time and read it all and even surfed the internet looking for t & c's apparently. he certainly did stir things up - now we make sure that's in our court bundle.

[chipper99]

How do you mean, "court bundle"? Ive sent off a polite letter to D&G along with a schedule of charges and up to date schedule of interest. So waiting for their next move. At the minute Im reading up on the legislation as much as I can with work and all. Thanks for your continued support.

 

Darren.

[jowalshy]

I think that the court bundle is in the bank templates library somewhere. It relates to all the stuff you need to have ready for court.

[lateralus]

not something you'd need for another good few weeks, chipper, so don't worry about it yet.

[chipper99]

Cheers. I will have a look soon.

[chipper99]

Hi all.

 

I have received a letter from HSBC regarding my claim for £2625, saying that all the charges they made were legit fees as set out in theier price list. They go on to offer me a settlement sum of £2004.30 with no admission of liability. Any advice????

 

My gut instinct is to refuse it as the amount of the charges alone are £2227.00 and then there is the £120.00 I paid for the court claim. They have therefore offered me less than the charges they took from me. No mention of how they arrived at this figure or why there charges ranged from £25 to £125 each time. So what do you all think.

 

Chipper.

[Castlebest]

Hiya Chipper, as with all offers only you can decide if you should accept it or not. I suspect the offer you have has come from Uncle Colin's HSBC Leeds department which is why it wont include for any court fees or statutory interest.

The bottom line here is if you need the money accept the offer, if you can afford to wait a little you will get much more from DG Solicitors who will include your court fees and your 8% statutory interest.

pete